What action shall be taken if finance company deposits my cheque given for security reason?

I bought a 2 wheeler using finance. They take my money from my bank by ECS method without interruption on monthly basis. Now they have deposited my cheque also given for security reasons . Now i have to run post to pillar to get statements from bank supporting the same and submit it to finance company and beg behind them .. This affects my work in a greater way. Shall I approach consumer court ? How I will be benefited ?

Can my spouse take home loan independently?

I already have a home loan liability based on my income and am repaying it regularly. We recently decided to invest in another home, but wanted to take the loan for that based solely on my spouses income and repayment capacity. Though the loan amount required is well justified by her income level, but the bank says they need my income proof too, so as to justify the joint liability of both the loans put together. Is that avoidable?

The reason I want to avoid it is that, I am in between changing jobs hence an unemployed for now, thus can’t provide an income proof.